About Standard Chartered Smart Credit Card
This entry-level credit card focuses on straightforward cashback across everyday purchases, both online and in-store, without being tied to specific brands or platforms. Most spending categories are eligible, including regular bill payments for utilities and services, with fuel transactions being the primary exclusion.
While the card comes with a joining and yearly charge, it does not offer introductory or renewal rewards. It also does not include milestone-based perks or fuel-related savings commonly found on similar beginner cards, positioning it purely as a no-frills cashback option.
Features & Benefits
Cashback Rewards
- Earn 2% cashback on eligible online purchases with a monthly cap, and 1% cashback on other spends, subject to a separate limit.
Extended Interest-Free Window
- Enjoy an introductory interest-free period of up to 90 days from card activation.
Affordable EMI Option
- Transactions above a minimum value can be converted into EMIs at a reduced monthly interest rate, with no processing charges.
Standard Chartered Smart Credit Card Reward Points & Cashback Calculator
How to Redeem Cashback?
The cashback accumulated on your card can be accessed through the bank’s reward redemption platform. Follow these simple steps to claim it:
- Step 1: Sign in to your online banking account and navigate to the rewards section. You may also log in directly to the rewards portal.
- Step 2: If you hold multiple cards, choose the relevant card from the available list and proceed with redemption.
After successful redemption, the cashback amount is typically credited to your card account within a few working days.
Standard Chartered Smart Card: Fees & Charges
Things to Know Before You Apply
This card may suit you if:
You mostly shop online and do not limit your spending to particular brands or platforms
You want cashback on everyday payments such as utilities, telecom, gas, and electricity bills
You prefer a credit card with a modest annual charge
You already own cards that cover travel, dining, or premium lifestyle benefits and need a simple cashback option
Steps to Close Standard Chartered Smart Credit Card
If you want to cancel your Standard Chartered Smart Credit Card, it is important to follow the proper process so the account is closed smoothly and without any pending issues.
- Pay All Outstanding Dues:- Before submitting a cancellation request, check your latest credit card statement and clear any pending balance. This includes purchases, interest charges, late payment fees, or other applicable charges.
- Redeem Available Reward Points:- If your credit card offers reward points, cashback, or other benefits, use them before requesting closure because unused rewards may expire once the card account is closed.
- Contact Customer Support:- Reach out to the customer care team of Standard Chartered Bank and inform them that you want to close your credit card account. The bank may verify your identity before processing the request.
- Submit a Written Request:- After contacting customer support, you may also send a written request confirming that you want to cancel the card. Include important details such as your name, credit card number, and contact information.
- Destroy the Physical Card:- Once the cancellation request is approved, cut the Standard Chartered Smart Credit Card across the chip or magnetic strip to ensure it cannot be misused.
- Wait for Confirmation:- After completing the process, wait for confirmation from Standard Chartered Bank that your credit card account has been successfully closed. Keep the confirmation message or email for future reference.
Standard Chartered Smart Credit Card Helpline Number
If you need assistance regarding your Standard Chartered Smart Credit Card, you can contact the customer support team of Standard Chartered Bank. The bank provides several helpline numbers to help customers with credit card services, billing queries, and other support requests.
Customer Care Helpline Numbers
General Customer Support:
📞 6601 4444
📞 3940 4444
📞 1800 345 1000
24×7 Helpline for Premium Banking Customers:
📞 6601 1500
📞 3940 1500
📞 1800 425 1000
📞 1800 345 5000
24×7 Helpline for Priority Banking Customers:
📞 6601 2424
📞 3940 2424
📞 6601 242
📞 3940 242
📞 1800 525 8390
Customers can contact these numbers for various services such as billing queries, payment assistance, reporting a lost or stolen card, reward point information, or requesting cancellation of the credit card.
Note: Some helpline services may operate between 8:00 AM and 8:00 PM, depending on the type of support required.
